The words "affordable" and "insurance" really shouldn't be used together, in particular when trying to find the best car insurance for postal workers. Because it's so expensive, let's introduce you to some of the things that have an impact on car insurance rates, and see how we can help you take a little off the next policy you buy.
The make and model of vehicle driven is one of the main factors that determines whether or not you can buy the most economical auto insurance for postal workers. Vehicles with average performance, good safety features, or a track record of few liability claims will cost quite a bit less to insure than higher performance models.
The next table shows car insurance rates for a number of the more affordable automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$981|
|Ford Escape XLS 2WD||$989|
|Chevrolet Impala LT||$1,154|
|Jeep Grand Cherokee Laredo 2WD||$1,164|
|Chevrolet Equinox LT AWD||$1,154|
|Chevrolet Silverado LT Extended Cab 4WD||$1,159|
|Chevrolet Malibu LS||$1,154|
|Dodge Grand Caravan SE||$1,194|
|Hyundai Elantra Blue 4-Dr Sedan||$1,197|
|Toyota Corolla S||$1,217|
|Honda Odyssey EX-L W/Navigation||$1,224|
|Ford Edge Limited 2WD||$1,239|
|GMC Sierra SLT Extended Cab 4WD||$1,246|
|Hyundai Sonata GLS 4-Dr Sedan||$1,239|
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price information does not factor in specific location information which can alter rates greatly.
Based upon the table data, you can infer that makes and models like the Honda CR-V, Ford Escape, and Toyota Prius will definitely be a few of the more affordable vehicles to insure for postal employees.
For postal employees, one of the big considerations that help determine auto insurance rates is where you normally keep your vehicle in Santa Ana. Areas with more people or even just a higher incidence of claims tend to have more expensive auto insurance rates, whereas more rural areas tend to receive cheaper rates.
The table below shows the most expensive places in California for postal workers to buy auto insurance in. Santa Ana is ranked #14 with a yearly cost of $1,483 for the average insured, which is around $124 per month.
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Table data uses comparative as zip code location can decrease or increase insurance rates significantly.
Deciding which companies have the lowest-priced auto insurance rates for postal workers involves a bit more effort in order to find coverage that fits your budget. Each auto insurer uses different criteria for setting rates, so let's take a look at the auto insurance companies that tend to be cheaper in Santa Ana, CA.
Cheap Insurance Rates for USPS Employees
|Rank||Company||Cost Per Year|
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USAA generally has some of the cheapest car insurance rates in Santa Ana at around $1,121 a year. Century National, Wawanesa, CSAA, and Nationwide would also be considered some of the lowest-priced Santa Ana, CA insurance companies.
In the above rates, if you buy coverage from CSAA and switched to USAA, you could earn a yearly savings of about $101. Policyholders with Nationwide may save as much as $129 a year, and 21st Century customers might see rate reductions of $258 a year.
To get a quick, customized rate comparison, click here to get quotes or click several companies below for low rates.
These premiums are averages across all drivers and vehicles and and are not figured with an exact vehicle garaging location for postal workers. So the car insurance company that fits your needs best may not even be in the top 24 companies shown above. That points out the importance of why you need to get rate quotes from many companies using your own specific driver information and vehicle.
The chart below demonstrates how choosing different deductibles can affect yearly insurance costs when quoting cheap insurance for postal workers. The data assumes a single male driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 30-year-old driver could save $410 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $616 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 category, could possibly save as much as $1,190 or even more by using a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it will be required to have plenty of discretionary funds to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Buying coverage from the best company is hard considering how many choices you have in California. The ranking information shown below can help you choose which auto insurers to look at when looking for cheaper rates.
The ratings below are only made up of the largest auto insurers in America, so companies that have a smaller presence are not taken into consideration for the list. If you would like to check rates from the insurers below and more, click this link.
Top 10 Major Auto Insurers in Santa Ana Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Major Auto Insurers in Santa Ana Ranked by A.M. Best Rating
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Progressive - A+
- Titan Insurance - A+
The benefits of price comparisons
Santa Ana, CA auto insurance rates are influenced by many factors that will increase or decrease the cost of your policy. Getting older, marrying your spouse, or getting a DUI can trigger rate changes that can now make some companies much cheaper than others. In addition to those changes, car insurance companies change the rates they charge in California multiple times each year in order to maintain liquidity for claims. Higher than normal claim frequency or severity can result in rate hikes, while a better loss history may result in more affordable Santa Ana car insurance rates.
As an example, the graph below shows the company with the cheapest car insurance in Santa Ana, CA for a 45-year-old female driver with a good driving record, no prior claims, and good credit. When quoting prices based on her current risk profile, USAA might offer the lowest car insurance rates in Santa Ana at $1,236 per year. This is $415 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also on the list of the best Santa Ana, CA auto insurance companies.
The chart below compares rates after we give the driver in the first example an accident surcharge, bad credit, and a stop sign violation. Due to the fact that every auto insurer has a proprietary method to set their prices, comparing quotes may result in a substantially altered list of the cheapest car insurance companies in Santa Ana as shown below.
Grange now has the lowest price in Santa Ana with Mercury, GEICO, Allied, and Progressive completing the list. This illustrates why it is crucial to spend some time comparing rates when trying to get the most budget-friendly insurance quotes for postal workers. Insurance prices consist of many things and can increase or decrease at any time, so the best price the last time you shopped your coverage around may now be priced much higher than other options.
If you have questions and prefer to have a little guidance when comparing insurance rates for postal employees, the agents listed below can probably answer your questions and help you decide which auto insurance policy fits you best. To locate a Santa Ana auto insurance agent closest to you, click the button at the bottom or click here to compare price quotes now.
- All Century Insurance
1200 W Warner Ave B - Santa Ana, CA 92707 - (714) 902-9777
- State Farm Insurance: Luis Olmedo
600 S Grand Ave #101 - Santa Ana, CA 92705 - (714) 486-3441
- Allstate Insurance: Jorge Bendeck
3929 S Bristol St Ste 201 - Santa Ana, CA 92704 - (714) 832-3900